Envelope Budget Organizer
Assign recorded money to spending envelopes. See monthly activity, carried balances and money left to assign, including overspending and uncategorized expenses.
How can I organize an envelope budget?
Record account opening balances, income and spending, then choose a budget month. Assign money to expense categories and compare assigned amounts with signed activity. Positive balances roll forward; negative balances reduce next month’s available money unless negative carryover is enabled. A negative unassigned amount shows over-assignment.
Three simple steps
How to use Envelope Budget Organizer
Record income, spending and opening balances.
Choose a month and assign money to expense envelopes.
Review balances and correct any over-assignment.
Common questions
Good to know
Understand the result.
Keep the original.
Is this tool free, and are my files uploaded?
This tool is free with no account required. The work happens in your browser. Your input and files are not sent to a processing server.
What are the limits and details?
One browser-local ledger with 50 accounts, 200 categories, 50,000 transactions and a 20 MB backup. Currency and 0, 2 or 3 decimal places are fixed once accounts exist. CSV imports allow 5,000 rows or 5 MB. Budget history spans 360 months; forecasts span 366 days. Recurring suggestions are estimates from three observations. Reports include up to 500 selected entries and receipt references, not attachments. No bank access, payments, tax advice, currency conversion or automatic service changes.
Records stay in this browser. Keep backups before clearing site data. Use one currency per ledger; scheduled amounts are projections from your entries.